Last edited: 29 Apr 2011 As you have 0% interest on the Halifax, can you reduce amount to a minimum payment and pay off the higher BOI CC or Littlewoods ? Did you neg. this deal with Halifax? If so,can you appraoch BOI as well and ask them to freeze interest? Can your wife mind some children do some babysitting? This would seem very important so that she bears responsibity for paying off debt as well as you. Have you switched to energy saving bulbs etc, use immersion only when necc ? Can you advertise your nixer's as an add'l income stream? Reconsider whether that add'l life cover is necc. What does it cost? Can you get an all in one package that will cover you if in arrears? Post in Life section of AAM for opinons on this. There are some professionals who will advise you.